From Junior to Adult: What Happens When You Turn 16?

24 October 2026

junior to adult 24th oct
Is your child turning 16? Find out what happens to their Junior Account and what they need to do next.
  • We CONTACT the TRUSTEE of the account to CONFIRM their JUNIOR’S EMAIL address.

  • BENEFICIARY and PERSONAL details must be updated via creditunion@harpandcrown.co.uk

  • DIRECT DEBIT details need to be UPDATED with a MINIMUM £10 PER MONTH deducted to keep their account open.

  • The JUNIOR account is NOW an ADULT* account!

  • Once the Junior account holder turns 16 years, their Trustee will no longer be able to access the Junior account online.

You can now access your JUNIOR ACCOUNTS via our ONLINE BANKING facility.

As the Trustee, you can only access your Junior's account online up to age 15 years.

*Please note: loan applications not accepted until age 18 and over. Under 18’s cannot participate in AGM nominations.

Questions? Get in touch today!

The Harp and Crown Credit Union has been providing safe, ethical and flexible finances for the Police and wider Police family in Northern Ireland since 1998.

Harp and Crown Credit Union Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 577113. For details visit http://www.fca.org.uk
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